Call reports 2024
RONDOUT SAVINGS BANK — 2024
What RONDOUT SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 557,615,000 | 545,068,000 | 545,835,000 | 526,913,000 |
| Total loans | 449,060,000 | 444,934,000 | 440,836,000 | 429,757,000 |
| Allowance for loan losses | 4,658,000 | 4,577,000 | 4,531,000 | 4,279,000 |
| Securities available for sale | 60,676,000 | 52,916,000 | 54,558,000 | 49,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,857,000 | 438,451,000 | 439,989,000 | 434,525,000 |
| Interest-bearing deposits | 389,949,000 | 372,463,000 | 370,962,000 | 371,156,000 |
| Noninterest-bearing deposits | 71,908,000 | 65,988,000 | 69,027,000 | 63,369,000 |
| Equity capital | 39,127,000 | 39,707,000 | 41,429,000 | 39,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,910,000 | 11,779,000 | 17,592,000 | 23,140,000 |
| Interest expense | 3,146,000 | 6,348,000 | 9,509,000 | 12,719,000 |
| Net interest income | 2,764,000 | 5,431,000 | 8,083,000 | 10,421,000 |
| Noninterest income | 441,000 | 886,000 | 1,370,000 | 1,939,000 |
| Noninterest expense | 3,149,000 | 6,267,000 | 9,503,000 | 12,724,000 |
| Provision for loan losses | 51,000 | 46,000 | -1,000 | -203,000 |
| Pretax income | 43,000 | 77,000 | 44,000 | -44,000 |
| Income tax | -421,000 | -413,000 | -470,000 | -376,000 |
| Net income | 464,000 | 490,000 | 514,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,324,000 | 49,350,000 | 49,374,000 | 49,192,000 |
| Total capital | 54,121,000 | 53,987,000 | 53,940,000 | 53,561,000 |
| Risk-weighted assets | 383,651,000 | 370,790,000 | 365,166,000 | 349,445,000 |